Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161395
Experian Accused of Reporting Incorrect Information Tied to Another Individual
Complaint Overview
Complaint ID: 19161395
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 15301
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and if the error is not corrected, it could lead to financial harm.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Issues
AI Analysis
CFPB complaint 19161395 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Pennsylvania consumer is disputing incorrect information on their Experian credit report, alleging the information belongs to someone else. The complaint was received on January 31, 2026 from Pennsylvania. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct any errors found on a consumer's report.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Pennsylvania, consumers have rights under state and federal law to dispute credit report errors.
Industry Comparison
This case is typical of many credit reporting disputes where consumers find information that does not belong to them on their reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161395 about?
CFPB complaint 19161395 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Experian Information Solutions Inc. on January 31, 2026.
Which company is complaint 19161395 filed against?
Complaint 19161395 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 19161395?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161395 filed?
Complaint 19161395 was received by the CFPB on January 31, 2026. It was sent to Experian Information Solutions Inc. on February 1, 2026.
What state was complaint 19161395 filed from?
Complaint 19161395 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 19161395?
Dispute information is not available for complaint 19161395.
What product category is complaint 19161395 about?
Complaint 19161395 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 19161395 submitted?
Complaint 19161395 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161395?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 19161395 to be resolved?
Resolution likelihood: likely. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161395?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, and if the error is not corrected, it could lead to financial harm.
What regulatory actions apply to complaint 19161395?
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct any errors found on a consumer's report. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 19161395?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19161395?
In Pennsylvania, consumers have rights under state and federal law to dispute credit report errors. This complaint was filed from Pennsylvania.
How does complaint 19161395 compare to industry norms?
This case is typical of many credit reporting disputes where consumers find information that does not belong to them on their reports.
What steps should a consumer take if they discover information on their credit report belongs to someone else?
The consumer should immediately dispute the information with the credit reporting agency, providing evidence that the information is not theirs. They should also consider filing a complaint with the CFPB and potentially contacting the original creditor.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.